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Insurance Plans Comparison

HDFC ERGO EquiCover vs ICICI Lombard Criti Shield Family Shield

Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...

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HDFC ERGO

EquiCover

Get inpatient hospitalisation for a certified disability or for people living with HIV/AIDS, excluding anti-retroviral treatment, plus AYUSH care up to the sum insured and a 20% co-pay on every claim.

What Makes It Special:

EquiCover is an indemnity health insurance product specifically filed for applicants who are routinely declined or heavily loaded on standard plans: persons certified with not less than 40% of a specified disability under the Rights of Persons with Disabilities Act 2016 or the Mental Healthcare Act 2017, and individuals with...

Best For:

  • Families covering a dependent child with a certified disability, since children can be enrolled on an individual policy of their own

  • Buyers who want a first layer of hospitalisation cover and are willing to pay extra to remove the standard 20% co-payment

  • Applicants with one of the 21 listed disabilities — including blindness, locomotor disability, thalassemia, haemophilia, sickle cell disease, autism spectrum disorder, cerebral palsy, mental illness and Parkinson's disease

  • Individuals living with HIV/AIDS seeking in-patient hospitalisation cover for medical conditions generally

  • Persons holding a disability certificate for not less than 40% of a specified disability from a government-appointed medical board, who cannot obtain standard health cover

VS
ICICI Lombard

Criti Shield Family Shield

Cover hospitalisation for specified infectious diseases, including listed vector-borne illnesses such as dengue and malaria, and personal accident benefits for death, disablement and accidental hospital treatment.

What Makes It Special:

ICICI Lombard Family Shield combines defined benefits for specified infectious diseases with personal accident and hospital daily cash benefits. Coverage includes selected vector-borne, viral, gastrointestinal and nervous system infections, along with rabies and tetanus. Additional benefits may be available depending on the options selected and the policy certificate.

Best For:

  • Customers who understand that this is a benefit-specific policy and not a substitute for comprehensive hospitalisation insurance.

  • Buyers who want to explore optional benefits such as broken bones or burns cover.

  • People who value fixed hospital daily cash benefits where selected.

  • Families seeking additional financial protection against eligible accidental injuries.

  • Buyers looking for defined benefits for specified infectious diseases.

Insurance Plans Comparison

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Quick Decision Guide

HDFC ERGO EquiCover

  • If you are being covered for HIV/AIDS, note that antiretroviral treatment costs are excluded, so budget for that medication separately.

  • A disability certificate from a government-appointed medical board is a condition precedent to the disability cover, so obtain and keep it before applying.

  • The sum insured is limited to ₹4 lakh or ₹5 lakh, so treat this as a base layer and consider whether a separate top-up or group cover is available to you for larger claims.

  • Room rent is capped at 1% of sum insured per day and ICU at 2%, which on a ₹5 lakh cover is ₹5,000 and ₹10,000 a day, so check those limits against room rates at the hospitals you would use.

  • Price the optional co-payment waiver before buying, because without it you bear 20% of every admissible claim — ₹1 lakh on a ₹5 lakh claim at the maximum sum insured.

ICICI Lombard Criti Shield Family Shield

  • If you need broad coverage for unrelated illnesses, surgeries and hospital bills, compare this policy with a comprehensive indemnity-based health insurance plan.

  • Review waiting periods carefully, particularly the 30-day waiting period for infectious disease benefits and the pre-existing disease restriction applicable to hospital daily cash benefits.

  • Review the personal accident benefit amounts and definitions of disability before relying on the policy for accident protection.

  • Confirm whether hospital daily cash benefits are included and check the applicable daily limits and eligibility conditions.

  • Check the list of covered infections and their claim requirements to confirm that the policy addresses your priorities.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

EquiCover
EquiCover

Health Insurance Plan

Brochure

Policy Wording

VS
Criti Shield Family Shield
Criti Shield Family Shield

Health Insurance Plan

Brochure

Policy Wording

Room Rent

EquiCover

Normal: Up to 1% of Sum Insured per day

ICU: Up to 2% of Sum Insured per day

VS

Criti Shield Family Shield

  1. Normal: Covered Up to Sum Insured
  2. ICU: Covered Up to Sum Insured
ICU Charges

EquiCover

Up to 2% of Sum Insured per day

VS

Criti Shield Family Shield

ICU-related cash benefits may be available under selected hospital cash benefits; limits depend on the policy certificate.

Advanced Treatments

EquiCover

Uterine Artery Embolization (UAE)

HIFU (High Intensity Focused Ultrasound)

Balloon Sinuplasty

Deep Brain Stimulation

Oral Chemotherapy

Immunotherapy (Monoclonal Antibody Injection)

Intra Vitreal Injections

Robotic Surgeries

Stereotactic Radio Surgeries

Bronchial Thermoplasty

Vaporisation of Prostate

IONM (Intra Operative Neuro Monitoring)

Hematopoietic Stem Cell Therapy for Bone Marrow Transplant

VS

Criti Shield Family Shield

  1. Oral Chemotherapy 
  2. Robotic Surgeries 
  3. Stem Cell Therapy 
Co-payment

EquiCover

20% Co-payment on every admissible claim

VS

Criti Shield Family Shield

Co payment is applicable as chosen by the insured. 

It allows the insured to opt for 10% or 20% co-payment.

Disease-wise sublimits

EquiCover

Yes — cataract treatment limited to ₹40,000 per eye per policy year; modern treatment capped at 50% of Sum Insured; emergency ground ambulance limited to ₹2,000 per hospitalisation

VS

Criti Shield Family Shield

Benefits are defined for specified infections and accident-related events; applicable limits are benefit-specific and should be confirmed in the policy certificate.

Waiting Period

EquiCover

Initial Waiting Period: 30 Days

Pre-existing Disease Waiting Period:

  1. 24 Months for pre-existing disability
  2. 36 Months for other pre-existing conditions

Specific Disease/Procedure Waiting Period: 24 Months

VS

Criti Shield Family Shield

Information Unavailable

Cashless Healthcare Providers

EquiCover

Cashless treatment available through network providers

VS

Criti Shield Family Shield

10,000+ Healthcare Providers

Restoration Benefit

EquiCover

Not specified — no restoration, recharge or reinstatement of sum insured is provided in the policy document

VS

Criti Shield Family Shield

No restoration benefit verified.

Daycare Treatment

EquiCover

Covered

VS

Criti Shield Family Shield

Covers medical procedures requiring hospitalization for less than 24 hours, such as cataract surgery or chemotherapy​

Cumulative Bonus

EquiCover

Not specified — no cumulative bonus or no-claim increase in sum insured is provided in the policy document

VS

Criti Shield Family Shield

No cumulative bonus benefit verified. The published brochure lists a 5% renewal discount and a family discount of up to 7.5%.

Consumable Cover

EquiCover

Not specified

VS

Criti Shield Family Shield

Not specified.

AYUSH Treatment

EquiCover

Covered up to 100% of Sum Insured

VS

Criti Shield Family Shield

.

Initial Waiting Period

EquiCover

30 days for all claims except those resulting from an accident; not applicable after twelve months of continuous coverage

VS

Criti Shield Family Shield

30 days for specific infectious disease and hospital daily cash benefits; 0 days for personal accident benefits, as stated in the published brochure.

Specific Waiting Period

EquiCover

24 months for listed conditions and surgical procedures; not applicable to accident claims

VS

Criti Shield Family Shield

30 days for specific infectious disease benefits.

PED Waiting Period

EquiCover

24 months for the covered pre-existing disability; 36 months for other pre-existing conditions, excluding the covered disability and HIV/AIDS

VS

Criti Shield Family Shield

Two-year pre-existing disease restriction specified for Hospital Daily Cash Benefit; applicability to other benefits must be checked in the policy wording.

Modern Treatment

EquiCover

Listed procedures covered up to 50% of Sum Insured, as in-patient or day care treatment

VS

Criti Shield Family Shield

Not specified as a standalone benefit in the reviewed product information.

Annual Health Checkup

EquiCover

Not specified. A pre-policy check-up may be required based on age and sum insured, with 100% of the expense reimbursed on acceptance of the proposal

VS

Criti Shield Family Shield

Not specified.

Pre-Hospitalisation

EquiCover

Information Unavailable

VS

Criti Shield Family Shield

Accidental pre-hospitalisation expenses may be covered under the applicable accident benefit; a general time limit was not verified.

Post-Hospitalisation

EquiCover

60 days from the date of discharge; claimable on a reimbursement basis only

VS

Criti Shield Family Shield

Accidental pre- and post-hospitalisation expenses may be covered under the applicable accident benefit; a general post-hospitalisation limit was not verified.

Outpatient Department Cover (OPD Expense)

EquiCover

Not specified

VS

Criti Shield Family Shield

No general OPD benefit verified. Accident-related diagnostic tests may be covered under the applicable benefit.

Deductible Option

EquiCover

Not specified

VS

Criti Shield Family Shield

Any deductible or loss-sharing provision must be confirmed in the policy certificate.

Coverage Options

EquiCover

Information Unavailable

VS

Criti Shield Family Shield

Specific infectious disease benefits, personal accident benefits, hospital daily cash benefits and selected additional benefits.

Claim Settlement Ratio

EquiCover

97.45%

VS

Criti Shield Family Shield

FY 2024-25: ~84%


Maternity Cover

EquiCover

Information Unavailable

VS

Criti Shield Family Shield

Maternity and pregnancy-termination expenses are listed among exclusions.

Insurance Plans Comparison

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Family Health Plan

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Insurance Plans Comparison

Frequently Asked Questions (FAQs)

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